My Dad kept my Moniker WF38 loaded on the top shelf of his closet when me and my sisters were very young. My older sister (about 5 at the time) pulled up a chair and climbed up, was playing with it and blew a hole in the closet through the wall into the hallway. She dropped it and everyone came running. She was very lucky and so were we, it could have turned out very badly but it was a learning moment. The gun went in the sock drawer and the bullets stored downstairs. When we were old enough to accept full responsibility and understand all the warnings and procedures we were taught we were allowed to handle the guns and bullets but not until them.
Tell your wife, if she's not carrying it, its not secure or safe laying anywhere loaded anyone you wouldnt want to hold it could get to it and the bullets at the same time. If she puts it up there empty, its just a brick but its still not secure and the least things that could go wrong would be bad enough (Junior plays with it in the pond, fills it with tomato sauce or sticks it in your back when your on a stepladder changing a lightbulb). Bad idea to leave your piece unsecure when you know their are either strangers or chillens about.